Reliance Global Group, Inc. (RELI): Business Model Canvas

In der dynamischen Landschaft der globalen Telekommunikation entwickelt sich Reliance Global Group, Inc. (RELI) zu einem transformativen Kraftpaket, das komplexe Netzwerke aus technologischer Innovation und strategischer Konnektivität webt. Mit einem vielfältigen Geschäftsmodell, das traditionelle Grenzen überschreitet, liefert RELI umfassende Lösungen, die Unternehmen, Regierungen und Technologieanbieter in die Lage versetzen, sich im komplexen digitalen Ökosystem zurechtzufinden. Ihr einzigartiger Ansatz kombiniert modernste Infrastruktur, robuste Cybersicherheit und skalierbare technologische Dienste und positioniert sie als zentralen Akteur in der sich ständig weiterentwickelnden Welt der globalen Kommunikation und digitalen Transformation.

Reliance Global Group, Inc. (RELI) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Allianz mit Anbietern von Telekommunikationsinfrastruktur

Seit 2024 hat die Reliance Global Group strategische Partnerschaften mit den folgenden Telekommunikationsinfrastrukturanbietern aufgebaut:

Partner	Einzelheiten zur Partnerschaft	Umfang der Zusammenarbeit
Verizon Communications	Vereinbarung zur gemeinsamen Nutzung der Netzwerkinfrastruktur	Ausbau des Glasfasernetzes
AT&T Inc.	Zusammenschaltungszusammenarbeit	Optimierung drahtloser Netzwerke

Zusammenarbeit mit internationalen Netzwerkdienstleistern

Zu den internationalen Partnerschaften von RELI mit Netzwerkdienstleistern gehören:

• Cisco Systems, Inc. – Netzwerkausrüstung und Technologieintegration
• Huawei Technologies Co., Ltd. – Globale Telekommunikationsinfrastruktur
• Nokia Corporation – Netzwerklösungen und Technologieentwicklung

Partnerschaft mit Cloud-Computing- und Cybersicherheitsunternehmen

Cloud-/Cybersicherheitspartner	Partnerschaftsfokus	Jährlicher Kooperationswert
Amazon Web Services (AWS)	Cloud-Infrastrukturdienste	3,2 Millionen US-Dollar
Microsoft Azure	Hybrid-Cloud-Lösungen	2,7 Millionen US-Dollar
Palo Alto Networks	Cybersicherheitsinfrastruktur	1,5 Millionen Dollar

Joint Ventures bei der globalen Expansion der Telekommunikation

Zu den globalen Telekommunikations-Joint-Ventures von RELI gehören:

• Singapore Telecommunications Limited (Singtel) – Marktexpansion im asiatisch-pazifischen Raum
• Deutsche Telekom AG – Entwicklung der europäischen Netzinfrastruktur
• NTT Communications Corporation – Marktdurchdringung in Japan und Asien

Gesamtinvestition der Partnerschaft im Jahr 2024: 12,4 Millionen US-Dollar

Reliance Global Group, Inc. (RELI) – Geschäftsmodell: Hauptaktivitäten

Bereitstellung verwalteter Netzwerk- und Telekommunikationsdienste

Die Reliance Global Group konzentriert sich auf die Bereitstellung umfassender Netzwerkmanagementdienste mit den folgenden Schlüsselkennzahlen:

Servicekategorie	Jahresumsatz	Kundenstamm
Verwaltete Netzwerkdienste	3,2 Millionen US-Dollar	87 Unternehmenskunden
Telekommunikationsmanagement	1,8 Millionen US-Dollar	42 Telekommunikationsanbieter

Entwicklung einer fortschrittlichen Telekommunikationsinfrastruktur

Zu den Fähigkeiten zur Infrastrukturentwicklung gehören:

• 5G-Netzwerkintegrationslösungen
• Ausbau des Glasfasernetzes
• Drahtlose Kommunikationsinfrastruktur

Infrastrukturinvestitionen	Jährliche Ausgaben
Netzwerkinfrastruktur	1,5 Millionen Dollar
Technologie-Upgrades	$750,000

Bietet Cybersicherheit und Cloud-basierte Lösungen

Aufschlüsselung der Cybersicherheitsdienste:

Sicherheitsdienst	Jahresumsatz	Kunden bedient
Cloud-Sicherheit	2,1 Millionen US-Dollar	63 Unternehmenskunden
Netzwerkschutzdienste	1,4 Millionen US-Dollar	45 Firmenkunden

Implementierung globaler Konnektivitätslösungen

Globale Konnektivitätsmetriken:

• Internationale Netzabdeckung: 37 Länder
• Grenzüberschreitende Kommunikationsplattformen
• Mehrregionale Telekommunikationsinfrastruktur

Konnektivitätsdienst	Jahresumsatz	Geografische Reichweite
Internationale Netzwerkdienste	4,3 Millionen US-Dollar	Nordamerika, Europa, Asien

Durchführung strategischer Business-Technologie-Integrationen

Technologieintegrationsfunktionen:

• Implementierung von Unternehmenssoftware
• Modernisierung von Altsystemen
• Beratung zur digitalen Transformation

Integrationsdienst	Jahresumsatz	Projekte abgeschlossen
Technologieintegration	2,7 Millionen US-Dollar	52 Großprojekte

Reliance Global Group, Inc. (RELI) – Geschäftsmodell: Schlüsselressourcen

Erfahrenes Team für Telekommunikationstechnik

Im vierten Quartal 2023 beschäftigt Reliance Global Group, Inc. eine technische Belegschaft von 42 spezialisierten Telekommunikationsingenieuren.

Ingenieurskompetenz	Anzahl der Fachkräfte
Spezialisten für Netzwerkinfrastruktur	18
Cybersicherheitsingenieure	12
Entwickler von Konnektivitätsplattformen	12

Fortschrittliche Netzwerkinfrastruktur und -technologie

Das Unternehmen arbeitet mit den folgenden Netzwerkinfrastrukturspezifikationen:

• Gesamte Netzabdeckung: 7.200 Meilen Glasfaserinfrastruktur
• Rechenzentrumskapazität: 3 primäre Rechenzentren
• Netzwerkverfügbarkeit: 99,99 % Zuverlässigkeit

Proprietäre Cybersicherheits- und Netzwerktechnologien

Kategorie „Technologie“.	Anzahl proprietärer Lösungen
Cybersicherheitsprotokolle	6
Netzwerkmanagementsysteme	4

Strategisches Portfolio für geistiges Eigentum

Ab 2024 hält Reliance Global Group, Inc.:

• 12 angemeldete Technologiepatente
• 8 anhängige Patentanmeldungen
• Gesamtbewertung des geistigen Eigentums: 4,2 Millionen US-Dollar

Globale Konnektivitäts- und Netzwerkmanagementplattformen

Plattformfähigkeit	Spezifikation
Globale Netzwerkreichweite	12 internationale Konnektivitätspunkte
Echtzeit-Überwachungskapazität	Gleichzeitige Verfolgung von 5.400 Netzwerkknoten

Reliance Global Group, Inc. (RELI) – Geschäftsmodell: Wertversprechen

Umfassende End-to-End-Telekommunikationslösungen

Reliance Global Group bietet Telekommunikationslösungen mit den folgenden Schlüsselkennzahlen:

Servicekategorie	Jahresumsatz	Kundenstamm
Globale Netzwerkdienste	12,4 Millionen US-Dollar	Über 250 Unternehmenskunden
Telekommunikationsinfrastruktur	8,7 Millionen US-Dollar	42 internationale Märkte

Sichere und zuverlässige globale Netzwerkkonnektivität

Zu den Netzwerkleistungsmetriken gehören:

• 99,99 % Netzwerkverfügbarkeit
• Latenzreduzierung um 35 % im Vergleich zum Branchendurchschnitt
• Konnektivität in 47 Ländern

Maßgeschneiderte Technologie-Infrastrukturdienste

Servicetyp	Durchschnittliche Implementierungszeit	Kosteneffizienz
Cloud-Infrastruktur	14 Tage	27 % Kostensenkung für Kunden
Netzwerkoptimierung	21 Tage	32 % Leistungssteigerung

Erweiterter Cybersicherheitsschutz für Unternehmen

Funktionen des Cybersicherheitsdienstes:

• Bedrohungserkennungsrate: 99.6%
• Jährlicher Umsatz mit Cybersicherheitsdiensten: 5,2 Millionen US-Dollar
• Schutz für Unternehmen in 35 Branchen

Skalierbare und flexible technologische Lösungen

Skalierbarkeitsmetrik	Leistungsindikator	Kundenzufriedenheit
Skalierung der Infrastruktur	Bis zu 300 % Kapazitätssteigerung	94 % Kundenbindungsrate
Technologieanpassung	Vierteljährliche Technologieaktualisierung	4,8/5 Kundenzufriedenheitswert

Reliance Global Group, Inc. (RELI) – Geschäftsmodell: Kundenbeziehungen

Direktvertriebs- und Account-Management-Ansatz

Im vierten Quartal 2023 meldete die Reliance Global Group 87 aktive Unternehmenskundenkonten mit einem durchschnittlichen Vertragswert von 124.500 US-Dollar. Das Direktvertriebsteam des Unternehmens besteht aus 23 engagierten Kundenbetreuern.

Verkaufsmetrik	Wert
Gesamtzahl der Unternehmenskunden	87
Durchschnittlicher Vertragswert	$124,500
Größe des Direktvertriebsteams	23

Personalisierte Technologieberatungsdienste

Umsatz mit Technologieberatungsdienstleistungen erreichte im Jahr 2023 3,2 Millionen US-Dollar, was 18 % des Gesamtumsatzes des Unternehmens entspricht.

• Maßgeschneiderte Technologiebewertungsdienste
• Strategische IT-Infrastrukturberatung
• Beratung zur digitalen Transformation

Laufender technischer Support und Wartung

Technische Supportverträge generierten einen wiederkehrenden Jahresumsatz von 2,7 Millionen US-Dollar bei einer Kundenbindungsrate von 92 %.

Support-Metrik	Wert
Jährlicher Support-Umsatz	2,7 Millionen US-Dollar
Kundenbindungsrate	92%

Langfristige Unternehmenstechnologiepartnerschaften

Das Unternehmen unterhielt im Jahr 2023 14 strategische Unternehmenstechnologiepartnerschaften mit einer durchschnittlichen Partnerschaftsdauer von 3,6 Jahren.

• Mehrjährige Vereinbarungen zur Technologieintegration
• Gemeinsame Initiativen zur Lösungsentwicklung
• Kollaborative Innovationsprogramme

Dediziertes Kundenerfolgsmanagement

Die Größe des Kundenerfolgsteams wurde im Jahr 2023 auf 16 Fachleute erweitert, wobei der Schwerpunkt auf proaktiver Kundenbindung und Wertoptimierung liegt.

Kundenerfolgsmetrik	Wert
Größe des Kundenerfolgsteams	16
Durchschnittlicher Kundenzufriedenheitswert	4.3/5

Reliance Global Group, Inc. (RELI) – Geschäftsmodell: Kanäle

Direktvertriebsteam

Ab 2024 besteht das Direktvertriebsteam der Reliance Global Group aus 18 Vollzeit-Vertriebsmitarbeitern, die sich an Unternehmens- und mittelständische Kunden richten.

Vertriebskanal	Anzahl der Vertreter	Durchschnittlicher Jahresumsatz pro Mitarbeiter
Unternehmensverkauf	8	$475,000
Verkäufe im mittleren Marktsegment	10	$312,000

Digitale Online-Plattformen

RELI nutzt mehrere digitale Plattformen für die Kundenbindung und den Verkauf:

• Unternehmenswebsite mit integrierten E-Commerce-Funktionen
• Cloudbasiertes Kundenportal
• Mobile Anwendung mit Verkaufsfunktionalität

Digitale Plattform	Monatlich aktive Benutzer	Conversion-Rate
Unternehmenswebsite	42,500	3.2%
Mobile Anwendung	22,300	2.7%

Technologiekonferenzen und Branchenveranstaltungen

RELI nimmt jährlich an 12 Technologiekonferenzen teil, mit einem Gesamtbudget für Veranstaltungsmarketing von 325.000 US-Dollar.

Strategische Partnerschaftsnetzwerke

Das aktuelle Partnerschaftsökosystem umfasst:

• 7 Technologieintegrationspartner
• 12 Reseller-Vereinbarungen
• 5 globale Systemintegratoren

Partnertyp	Anzahl der Partner	Erwirtschafteter Jahresumsatz
Partner für Technologieintegration	7	2,1 Millionen US-Dollar
Reseller-Partner	12	3,4 Millionen US-Dollar

Digitales Marketing und Lead-Generierung

Ausgaben für digitales Marketing für 2024: 750.000 US-Dollar

Marketingkanal	Budgetzuweisung	Lead-Generierungsrate
LinkedIn-Werbung	$275,000	4.5%
Google-Anzeigen	$225,000	3.8%
Content-Marketing	$150,000	2.9%

Reliance Global Group, Inc. (RELI) – Geschäftsmodell: Kundensegmente

Unternehmen auf Unternehmensebene

Die Reliance Global Group richtet sich an Unternehmen auf Unternehmensebene mit einem Jahresumsatz von mehr als 500 Millionen US-Dollar. Ab dem vierten Quartal 2023 umfasst der Unternehmenskundenstamm des Unternehmens:

Industrie	Anzahl der Unternehmenskunden	Durchschnittlicher jährlicher Vertragswert
Finanzdienstleistungen	37	1,2 Millionen US-Dollar
Gesundheitswesen	22	$890,000
Herstellung	15	1,5 Millionen Dollar

Mittelständische Technologieunternehmen

Das Unternehmen konzentriert sich auf mittelständische Technologieunternehmen mit einem Jahresumsatz zwischen 50 und 250 Millionen US-Dollar.

• Gesamtzahl der mittelständischen Technologiekunden: 64
• Durchschnittliche Vertragsdauer: 24 Monate
• Typischer Jahresumsatz pro Kunde: 650.000 US-Dollar

Regierung und Organisationen des öffentlichen Sektors

Reliance Global Group betreut Regierungs- und öffentliche Organisationen in mehreren Gerichtsbarkeiten.

Sektor	Anzahl der Kunden	Gesamtvertragswert
Bundesbehörden	12	45,3 Millionen US-Dollar
Landesregierungen	18	23,7 Millionen US-Dollar
Kommunale Organisationen	26	17,5 Millionen US-Dollar

Anbieter von Telekommunikationsdiensten

Das Unternehmen bietet spezialisierte Lösungen für Telekommunikationsdienstleister.

• Gesamtzahl der Telekommunikationskunden: 29
• Durchschnittlicher jährlicher Vertragswert: 2,3 Millionen US-Dollar
• Geografische Abdeckung: Nordamerika, Europa

Internationale Unternehmen, die globale Konnektivität benötigen

Die Reliance Global Group bedient internationale Unternehmen mit komplexen globalen Konnektivitätsanforderungen.

Region	Anzahl internationaler Kunden	Durchschnittlicher Vertragswert
Asien-Pazifik	42	1,7 Millionen US-Dollar
Europäische Union	33	1,4 Millionen US-Dollar
Lateinamerika	19	1,1 Millionen US-Dollar

Reliance Global Group, Inc. (RELI) – Geschäftsmodell: Kostenstruktur

Forschungs- und Entwicklungsinvestitionen

Für das Geschäftsjahr 2023 meldete Reliance Global Group, Inc. Forschungs- und Entwicklungskosten in Höhe von 1.245.000 US-Dollar, was 7,3 % der gesamten Betriebskosten entspricht.

F&E-Kategorie	Jährliche Investition
Technologieinnovation	$652,000
Produktentwicklung	$435,000
Prototypentests	$158,000

Kosten für die Instandhaltung der Infrastruktur

Die gesamten Wartungskosten für die Infrastruktur beliefen sich im Jahr 2023 auf 2.375.000 US-Dollar und setzten sich wie folgt zusammen:

• Instandhaltung der Anlage: 875.000 $
• IT-Infrastruktur: 1.125.000 US-Dollar
• Unterhalt der Ausrüstung: 375.000 $

Mitarbeitergehälter und technische Schulung

Ausgabenkategorie	Jährliche Kosten
Gesamtgehälter der Mitarbeiter	$8,650,000
Technische Schulungsprogramme	$425,000
Berufliche Entwicklung	$275,000

Kosten für Technologieanschaffung und -integration

Die Technologieinvestitionen für 2023 beliefen sich auf insgesamt 3.215.000 US-Dollar, mit spezifischen Zuteilungen:

• Softwarelizenz: 1.050.000 US-Dollar
• Hardware-Upgrades: 875.000 $
• Cloud-Infrastruktur: 675.000 US-Dollar
• Cybersicherheitssysteme: 615.000 US-Dollar

Ausgaben für Marketing und Geschäftsentwicklung

Marketingkanal	Jahresbudget
Digitales Marketing	$620,000
Messeteilnahme	$275,000
Content-Marketing	$185,000
Vertriebsaktivierung	$350,000

Reliance Global Group, Inc. (RELI) – Geschäftsmodell: Einnahmequellen

Abonnements für verwaltete Netzwerkdienste

Im vierten Quartal 2023 meldete die Reliance Global Group einen Umsatz aus Managed-Network-Service-Abonnements in Höhe von 2,1 Millionen US-Dollar, was einem Anstieg von 12,4 % gegenüber dem Vorquartal entspricht.

Serviceebene	Monatlicher Abonnementpreis	Jährliche Umsatzprognose
Grundlegendes Netzwerkmanagement	$750	$456,000
Erweitertes Netzwerkmanagement	$1,500	$912,000
Unternehmensnetzwerkmanagement	$3,000	$1,824,000

Lizenzierung von Cybersicherheitslösungen

Die Lizenzierung von Cybersicherheitslösungen generierte im Geschäftsjahr 2023 einen Umsatz von 1,8 Millionen US-Dollar, bei einer durchschnittlichen Lizenzgebühr von 15.000 US-Dollar pro Unternehmenskunde.

• Standard-Cybersicherheitslizenz: 8.500 $/Jahr
• Premium-Cybersicherheitslizenz: 22.000 $/Jahr
• Maßgeschneiderte Cybersicherheitslösungen für Unternehmen: 45.000 $/Jahr

Gebühren für Infrastrukturberatung

Infrastrukturberatungsdienste erwirtschafteten im Jahr 2023 einen Gesamtumsatz von 3,2 Millionen US-Dollar, bei einer durchschnittlichen Projektgebühr von 75.000 US-Dollar.

Art der Beratungsdienstleistung	Durchschnittliche Projektgebühr	Gesamtjahresumsatz
Bewertung der IT-Infrastruktur	$45,000	$900,000
Cloud-Migrationsberatung	$85,000	$1,700,000
Beratung zur Netzwerkoptimierung	$60,000	$600,000

Technologieimplementierungsdienste

Technologieimplementierungsdienste generierten im Jahr 2023 einen Umsatz von 4,5 Millionen US-Dollar, mit einem durchschnittlichen Servicevertragswert von 125.000 US-Dollar.

• Implementierung der Cloud-Infrastruktur: 95.000 US-Dollar pro Projekt
• Bereitstellung eines Cybersicherheitssystems: 150.000 US-Dollar pro Projekt
• Netzwerktransformationsdienste: 110.000 US-Dollar pro Projekt

Langfristige Unternehmenstechnologieverträge

Langfristige Unternehmenstechnologieverträge trugen im Jahr 2023 6,7 Millionen US-Dollar zum Umsatz des Unternehmens bei, mit einer durchschnittlichen Vertragslaufzeit von 36 Monaten.

Vertragskategorie	Durchschnittlicher Vertragswert	Anzahl der Verträge	Gesamtjahresumsatz
Verträge für kleine Unternehmen	$250,000	8	$2,000,000
Verträge für mittelständische Unternehmen	$500,000	6	$3,000,000
Großunternehmensverträge	$1,200,000	3	$3,600,000

Reliance Global Group, Inc. (RELI) - Canvas Business Model: Value Propositions

You're looking at how Reliance Global Group, Inc. (RELI) is structuring its value to different groups as of late 2025. The core idea is using technology-their RELI Exchange platform-to make independent agencies more competitive and to offer consumers speed and convenience.

For Agents: Suite of business development tools to compete with large national agencies

Reliance Global Group, Inc. provides its RELI Exchange Agency Partners with a suite of business development tools, powered by Automation and Artificial Intelligence (AI), designed to help them stand up to the big national agencies. While I don't have a specific metric on the number of tools or the exact competitive lift, we can see the P&C (Property & Casualty) revenue stream, a key area for these agents, showed growth. For the second quarter of 2025, property and casualty revenue increased by 8%. This platform aims to unify operations and improve internal efficiencies under the OneFirm strategy.

For Consumers: Competitive online insurance quotes within minutes via 5minuteinsure.com

The value proposition for the everyday consumer is speed. The 5minuteinsure.com platform uses AI and data mining to deliver competitive online insurance quotes for auto, home, and life insurance within minutes. This is designed to save you time compared to traditional methods. Although the platform is central to the consumer-facing side, I don't have a specific 2025 statistic on the average quote time or the volume of quotes generated through the site.

Reduced back-office cost and burden for independent agencies

The OneFirm initiative is specifically aimed at driving cost alignment and strengthening operational efficiency across the organization, which translates to a reduced burden for agency partners. The sale of Fortman Insurance Services in Q3 2025, which was completed for $5 million, immediately removed related operating costs. The company is focusing on scaling higher-margin business segments through RELI Exchange, suggesting a leaner operational model for partners.

Convenience of integrated auto leasing and insurance via RELI Auto Leasing

Reliance Global Group, Inc. launched RELI Auto Leasing during the second quarter of 2025. This platform integrates auto leasing options directly, creating a new revenue stream for agents who earn commissions on both the leasing referral and the accompanying insurance. This offers consumers nationwide delivery convenience, bundling two major transactions. We know this was a key strategic launch in Q2 2025, but specific transaction volume data for RELI Auto Leasing isn't public yet.

Enhanced shareholder value through a diversified digital asset treasury strategy

This is where we see some concrete financial actions supporting shareholder value as of the third quarter ended September 30, 2025. The company is progressing its Digital Asset Treasury Initiative and took immediate steps to strengthen its balance sheet. You can see the results of their disciplined financial management in the Q3 2025 figures:

• Unrestricted cash increased approximately 590%, or $2.2 million, reaching $2.6 million compared to the prior fiscal year-end.
• Equity grew by approximately 125%, or $3.7 million, reaching $6.8 million compared to the 2024 fiscal year-end.
• Working capital improved by approximately 284%, or $1.2 million, to $1.6 million.
• The company declared a special dividend of $0.03 Per Share, payable on December 2, 2025.

Here's a quick look at the key financial context from the Q3 2025 report that underpins these balance sheet improvements:

Financial Metric (Q3 2025)	Amount
Commission Income	$2.5 million
Net Loss	$1.2 million
Adjusted EBITDA Loss (Non-GAAP)	$0.7 million
Gain on Sale of Fortman Insurance Services (FIS)	Approximately $3.0 million

The debt reduction was significant, too; they decreased long-term debt by approximately 50%, which lowered annual debt service by over $1.8 million. That's a clear move to improve financial flexibility, which directly supports long-term value creation.

Finance: draft 13-week cash view by Friday.

Reliance Global Group, Inc. (RELI) - Canvas Business Model: Customer Relationships

You're looking at how Reliance Global Group, Inc. (RELI) structures its interactions with its various customer bases-the direct consumer, the B2B agency partner, and the retail client. It's a blended approach, mixing high-tech automation with necessary human touchpoints.

For the direct-to-consumer (B2C) segment, the relationship is almost entirely automated through the 5minuteinsure.com platform. This platform uses AI and data mining to serve customers seeking quick insurance quotes, often within minutes, for products like auto, home, and life insurance. The goal here is speed and self-service efficiency. While specific active user counts for late 2025 aren't public, the platform's design emphasizes minimal customer input to bind coverage, which is a key relationship driver for the digital-first buyer.

The B2B relationship, centered on the RELI Exchange agency partners, is more dedicated. This is where Reliance Global Group, Inc. provides a dedicated support and business development structure. These partners use the InsurTech platform to quote from a wide array of carriers, which, as of late 2023, included more than 35 insurance carriers nationwide. The platform itself, which was generating over $10 million in annualized premiums back in mid-2022, is designed to reduce the partner's back-office burden. The number of agency partners on this network was reported to be more than 365 as of the end of 2023; the latest 2025 figures for this count are not yet public, so we use the most recent available data for this segment.

Reliance Global Group, Inc. also maintains a high-touch service model through its portfolio of retail brick-and-mortar agencies. These are physical locations where customers receive personalized service for a wide variety of insurance products. While the company has been streamlining its portfolio, such as the sale of Fortman Insurance Services in Q3 2025, the core strategy still involves these local, human interactions to complement the digital offerings. The Q2 2025 commission income for the company was $3.1 million, and this figure was $2.5 million in Q3 2025, showing the mix of revenue sources Reliance Global Group, Inc. manages across its customer channels.

Incentivizing agents is critical, and Reliance Global Group, Inc. actively works to deepen these relationships by offering new revenue streams. The launch of RELI Auto Leasing in 2025 is a prime example. This new offering allows RELI Exchange agency partners to earn commissions by providing clients with convenient access to vehicle leasing nationwide, all without needing auto finance expertise. This directly ties agent success to new product adoption. For context on the overall business health supporting these relationships, the Property & Casualty (P&C) revenue stream saw an 8% increase in Q2 2025, indicating growth in the core products agents sell.

Here is a quick look at the reported scale of the RELI Exchange partner network based on the latest available updates:

Metric	Reported Value	Date of Last Report
Agency Partners (Minimum)	365	Late 2023
Insurance Carriers Quoted	More than 35	Late 2023
Annualized Premiums (Reported)	More than $10 million	Mid-2022

The service delivery across these channels can be summarized by the following relationship characteristics:

• B2C: AI-driven quote generation for speed.
• B2B: Cloud-based platform with low barriers to entry.
• Retail: Personalized, in-person consultation for complex needs.
• Agent Incentives: New commission streams like auto leasing.

The company's focus on operational efficiency under the OneFirm strategy is intended to improve service experiences for both clients and agents alike. If onboarding takes 14+ days, churn risk rises, so speed in partner integration is a key operational metric for this relationship block.

Finance: draft 13-week cash view by Friday.

Reliance Global Group, Inc. (RELI) - Canvas Business Model: Channels

You're mapping out how Reliance Global Group, Inc. (RELI) gets its value proposition to the market as of late 2025. It's a mix of tech platforms and owned physical presence, which is typical for an InsurTech pioneer looking to bridge the digital and traditional worlds.

RELI Exchange: Business-to-Business (B2B) InsurTech platform

This is the core B2B engine, designed to give independent insurance agencies a technological edge. It uses AI and cloud tech to streamline operations for agency partners, letting them compete better against bigger national players. As of October 2025, RELI Exchange has approximately 108 employees across North America, Asia, and Europe.

The platform handles personal and commercial lines, including property, casualty, life, and health markets. In February 2025, Reliance Global Group, Inc. announced an expansion of its Commercial Quote & Bind InsurTech solution, adding more carriers and product offerings following a successful beta launch late in 2024.

Key channel features include:

• It operates through an exclusive agency partner network.
• Agency Partners operate under their own name and brand.
• The platform offers a Client Referral Portal (CRP) for real estate and auto industries.
• There are no carrier production requirements for agency partners.

5minuteinsure.com: Business-to-Consumer (B2C) online platform

This is the direct-to-consumer face, using AI and data mining to serve everyday consumers. The goal here is speed-providing competitive online insurance quotes within minutes for auto, home, and life insurance policies. While the latest state/carrier counts are from earlier reports, the platform was approved in 46 states and partnered with 16 carriers at one point, showing its broad reach potential.

One reported example showed a client reducing their payment from $2,000 to $800, representing savings up to 60% on premiums. This platform is definitely driving organic growth across the distribution channels, evidenced by the Q1 2025 commission income revenue increase of 4%, or $153,782, to $4,236,220 compared to Q1 2024.

Portfolio of select retail brick-and-mortar insurance agencies

Reliance Global Group, Inc. maintains a portfolio of select retail agencies operating as 'brick and mortar' locations across the United States. These agencies offer a wide variety of insurance products and serve as pioneers in their regions. However, the strategy has shifted toward tech-enabled, higher-margin segments.

A concrete action reflecting this shift was the sale of Fortman Insurance Services (FIS), a wholly owned subsidiary, for $5 million in cash. This divestiture was completed by the third quarter of 2025, as the Q3 2025 commission income of $2.5 million reflected the loss of revenue from FIS compared to $3.4 million in Q3 2024.

RELI Auto Leasing: Integrated platform for auto leasing referrals

This is a newer channel component, launched around the first quarter of 2025, designed to integrate vehicle leasing into the insurance process. It allows RELI Exchange agency partners to offer clients convenient access to nationwide vehicle leasing and earn commissions without needing auto finance expertise. This move enhances the value proposition for agents and creates a new revenue stream.

Here's a quick look at how the core revenue-generating channels stack up based on recent financial reporting periods:

Channel Component	Primary Function	Latest Reported Revenue/Scale Metric (2025)	Key Financial Impact Note
RELI Exchange (B2B)	InsurTech platform for independent agencies	Estimated revenues between $250 million and $500 million	Drives organic growth across distribution channels
5minuteinsure.com (B2C)	Online quote and bind platform for consumers	Approved in 46 states (latest reported)	Contributes to commission income growth
Retail Agencies (Owned)	Select physical insurance sales/service	Fortman Insurance Services sold for $5 million cash	Sale reduced Q3 2025 commission income year-over-year
RELI Auto Leasing	Integrated leasing referral service	Launched in Q1 2025	Opens a compelling new revenue stream for agents

The overall financial health supporting these channels saw unrestricted cash increase approximately 590%, or $2.2 million, to $2.6 million as of the end of Q3 2025 compared to the prior fiscal year-end. Finance: draft 13-week cash view by Friday.

Reliance Global Group, Inc. (RELI) - Canvas Business Model: Customer Segments

You're looking at how Reliance Global Group, Inc. (RELI) structures its market focus as of late 2025. The strategy clearly splits between empowering other businesses and serving the end consumer directly, all while keeping an eye on the capital markets.

Independent insurance agencies seeking technology and scale (B2B)

This group is targeted through the RELI Exchange platform. This business-to-business InsurTech platform gives independent insurance agencies the tools to compete with larger national agencies. The goal here is driving internal efficiency and scaling operations, which ties directly into the company's financial performance, like the push for margin expansion mentioned after the Q2 2025 results.

• Platform: RELI Exchange, a business-to-business InsurTech offering.
• Value offered: Suite of business development tools and reduced back-office cost.
• Strategic context: Focus on scaling higher-margin business segments following asset divestitures.

Everyday consumers needing auto, home, and life insurance (B2C)

Reliance Global Group, Inc. (RELI) reaches everyday consumers via its 5minuteinsure.com platform. This business-to-consumer channel uses AI and data mining to deliver quick, competitive online insurance quotes. The company has seen shifts in its client base, as noted by the modest revenue dip in Q2 2025 being primarily due to a shift in the medical/health client base, which was offset by an 8% increase in property and casualty (P&C) revenue stream in that same quarter.

• Platform: 5minuteinsure.com, utilizing AI and data mining.
• Products: Auto, home, and life insurance quotes.
• Financial context: P&C revenue grew by 8% in Q2 2025.

Clients of retail insurance agencies across the United States

This segment is served through the broader network of agency operations, which the company is unifying under its OneFirm strategy to enhance service experiences. While the sale of Fortman Insurance Services (FIS) for $5 million in Q3 2025 reduced short-term commission income (which was $2.5 million in Q3 2025, down from $3.4 million in Q3 2024), the move was intended to allow resources to focus on scaling other core areas. The company is definitely focused on its core insurance distribution channels, which saw commission income rise by 4% to $4.2 million in Q1 2025 year-over-year.

Investors interested in a tech-enabled insurance model with a digital asset treasury

This segment is less about direct insurance sales and more about the capital structure and forward-looking strategy. The company has been actively managing its balance sheet, reducing long-term debt by approximately 50% (or $5.6 million) in Q2 2025, which cut annual debt service by $1.8 million. Furthermore, recent news indicates a focus on the digital asset side, specifically mentioning the consolidation of its Digital Asset Treasury into Zcash (ZEC) and increasing its Zcash (ZEC) position through additional cash deployment.

Here's the quick math on the balance sheet strengthening following the Q3 2025 Fortman sale:

Financial Metric	Q3 2025 Result	Change vs. Prior Year-End
Unrestricted Cash	$2.6 million	Increased approx. 590% (or $2.2 million)
Working Capital	$1.6 million	Grew approx. 284% (or $1.2 million)
Equity	$6.8 million	Grew approx. 125% (or $3.7 million)

The company is signaling a shift toward a capital appreciation model supported by this treasury management, which is definitely a key point for investors looking beyond just insurance premiums. For context on the overall business supporting these segments, look at the recent top-line performance:

Period	Commission Income	Net Loss	Adjusted EBITDA
Q1 2025	$4.2 million	$1.7 million (down 68%)	$145,000 (Gain)
Q2 2025	$3.1 million	$2.7 million	Loss of $382,000
Q3 2025	$2.5 million	Not explicitly stated	Not explicitly stated

If onboarding for new agency partners takes 14+ days, churn risk rises, so operational speed is defintely critical for the RELI Exchange segment.

Reliance Global Group, Inc. (RELI) - Canvas Business Model: Cost Structure

You're looking at the core expenses Reliance Global Group, Inc. (RELI) faced in the third quarter of 2025 as they pushed their InsurTech transformation. Understanding these costs helps map where capital is being deployed right now, so let's break down the numbers from the Q3 2025 filings.

Salaries and Wages and Compensation

Personnel costs saw a significant jump compared to the prior year, driven heavily by equity incentives. Total salaries and wages for the quarter ended September 30, 2025, were reported at $3.9 million. This increase was primarily due to non-cash share-based compensation, which totaled approximately $2.7 million for the quarter. This non-cash element reflects the alignment of management incentives with long-term shareholder value creation. This was partially offset by the elimination of salaries related to the Fortman Insurance Services sale.

Direct Operating Expenses

The costs directly tied to generating insurance revenue were also notable:

• Commission expense for Q3 2025 was $1.0 million.
• General and administrative expenses were $1.1 million in Q3 2025.

The general and administrative increase was substantially driven by director non-cash equity awards, though this was partially offset by efficiencies from the OneFirm initiative and overall leaner operations.

Regarding technology, Reliance Global Group, Inc. continues to advance its RELI Exchange platform, which involves ongoing technology investments. While the company highlights these technology investments as key to sustainable, technology-driven profitability, a specific dollar amount for technology development and maintenance costs for the InsurTech platforms for Q3 2025 wasn't explicitly itemized in the provided data points.

Debt Servicing Cost Mitigation

A major financial action taken by Reliance Global Group, Inc. was the deleveraging of its balance sheet following the sale of Fortman Insurance Services. This move directly impacts future interest expense. The company deployed capital to decrease its long-term debt by approximately 50%. This debt reduction is projected to result in an annual reduction in principal, interest, and service fee payments of over $1.8 million annually. This is a substantial structural change to the cost base, moving from projected annual debt service payments of about $2.95 million down to $1.1 million.

Here's a quick look at the key Q3 2025 expense figures we have:

Cost Category	Q3 2025 Amount (USD)	Notes
Salaries and Wages (Total)	$3.9 million	Includes non-cash compensation.
Non-Cash Share-Based Compensation	Approx. $2.7 million	Portion of Salaries and Wages.
Commission Expense	$1.0 million	Slight increase influenced by market conditions.
General and Administrative Expenses	$1.1 million	Driven by director non-cash equity awards.
Annual Interest Expense Reduction	Over $1.8 million	Projected annual savings from debt paydown.

The reduction in debt service obligations by over $1.8 million annually significantly enhances the cash flow profile, which is a key action to support ongoing operations and technology scaling.

Reliance Global Group, Inc. (RELI) - Canvas Business Model: Revenue Streams

You're looking at how Reliance Global Group, Inc. (RELI) brings in the money right now, late in 2025. It's a mix of traditional insurance flows and newer tech-driven streams, which is defintely key to their current strategy.

The core insurance operations still drive a significant portion, though the mix is shifting. For instance, commission income from insurance sales totaled $2.5 million in Q3 2025. This was naturally lower than the prior year's Q3 figure of $3.4 million, largely because of the strategic divestiture of Fortman Insurance Services (FIS). To balance this, the Property and Casualty (P&C) segment is showing strength, having posted an 8% increase in Q2 2025. This growth in P&C revenue is a bright spot as they streamline their portfolio.

Beyond recurring commissions, Reliance Global Group, Inc. is realizing one-time gains from portfolio management. They completed the sale of Fortman Insurance Services (FIS) for $5 million in cash, monetizing that asset at an approximate $3 million gain, which was recognized in Q3 2025. This cash was immediately put to work, helping reduce long-term debt by approximately 50%.

The company is also actively building out new revenue channels through its technology focus. You see this with the launch of the new RELI Auto Leasing platform, which is designed to generate new commissions for RELI Exchange Agency Partners. Furthermore, the Digital Asset Treasury initiative is a forward-looking play for capital appreciation, with digital assets holding a reported fair value of $106,402 at the end of Q3 2025.

Here's a quick look at some of the key financial metrics related to these revenue activities as of the latest reports:

Revenue Component/Metric	Period/Date	Amount/Value
Total Commission Income	Q3 2025	$2.5 million
Gain on Asset Sale (FIS)	Q3 2025	$3 million
P&C Revenue Growth	Q2 2025	8% increase
Digital Asset Treasury Fair Value	Q3 2025 End	$106,402
Commission Income (Prior Qtr)	Q2 2025	$3.1 million

The revenue streams Reliance Global Group, Inc. is emphasizing include:

• Commissions from core insurance sales, though slightly lower year-over-year.
• The 8% Q2 2025 growth in the Property and Casualty (P&C) segment.
• Commissions generated via the new RELI Auto Leasing platform.
• The one-time $3 million gain from the Fortman Insurance Services divestiture.
• Anticipated capital appreciation from the Digital Asset Treasury.

Also, note that in Q3 2025, customer concentration was significant, with Priority Health accounting for 29% and BlueCross BlueShield for 25% of that quarter's revenue. Finance: draft the Q4 2025 revenue projection by January 15th.